Currently, you need to own and occupy your own home to get Locket. You can’t get Locket yet if you’re a renter or a landlord. So if you own a property and happen to share it with friends, you’re fine – under Locket policies, friends that live with you count as family anyway.
If you’re renting a place with friends, or you own it but sublet part of it, then you’re a renter or a landlord and we can’t insure you yet. Watch this space!